Testimony

One motivation for this hearing is the recent study by the Federal Trade Commission finding that one in five American consumers identified material errors on their credit reports that were substantiated by the credit reporting agencies.
While not all of these errors would affect consumer borrowing...

Good afternoon. My name is Catherine Ruetschlin and I am a Senior Policy Analyst at Demos, a public policy organization working to ensure that all Americans have an equal say in our democracy and an equal chance in our economy. I’m here today to add our voice to the growing calls for a higher wage...

Demos is a national, non-partisan, non-profit public policy organization working for an America where we all have an equal say in our democracy and an equal chance in our economy.
Demos’ lawyers and researchers have extensive legal and policy expertise on the subjects of civil rights,...

I. Introduction
America’s economy has been an awesome engine of wealth creation over the past two generations, but the new prosperity has disproportionately gone to the wealthiest. Between 1979 and 2010, according to the Congressional Budget Office, American households in the richest one...

Chairman Capito, Ranking Member Meeks, and members of the subcommittee, thank you for the opportunity to submit the following statement for the record as part of today’s hearing.
Demos is pleased that the subcommittee is taking the time today to discuss the impact of our credit reporting system on...

Chairman Harkin, Ranking Member Alexander, and Members of the HELP Committee: I greatly appreciate this opportunity to speak to you about economic security for working women, particularly the experience of women in the retail industry. My name is Amy Traub and I am a senior policy analyst at Dēmos...

Chairman Schumer, Senator King, Ranking Member Roberts, and Members of the Committee, thank you for the opportunity to submit this testimony for this hearing on the harm of secret political spending, the impact of the Supreme Court’s recent decision in McCutcheon v. FEC, and solutions to address...

Good morning, my name is Catherine Ruetschlin and I am a policy analyst at Demos, a non-partisan public policy organization working for an America where we all have an equal say in our democracy and an equal chance in our economy. Access to an affordable higher education is central to the work of...

I’m pleased to be here today to testify on House Bill 1744, “An Act regulating the use of credit reports by employers.”
Over the past decade, Demos has conducted extensive research on credit card debt among low- and middle-income households. In 2012, we surveyed a nationally representative sample...

Chairman Franks, Ranking Member Nadler, and Members of the House Judiciary Subcommittee on the Constitution and Civil Justice:
I appreciate the opportunity to testify today regarding the Voting Rights Act after the U.S. Supreme Court’s decision in Shelby County v. Holder.[1] I am a tenured...